Yearly return, unsold, before tax — T3 in Melun — réel foncier · ID 05Réel foncierMoney-weighted return (MWRR) on what the property is worth to you before tax
Year 1: -74.54% a year on your cash, without selling.
Where each number comes from
Each link opens the page that calculates that figure.
- Loan paid off (equity built) Equity from Loan
- Property value increase Appreciation
- Your rental account, before tax the same account with no income tax, social or flat tax
Part 1. Cash at purchase and payments after the purchase
€33,400 at the start (year 0), then €2,308 of payments after the purchase, each in its own year.
Part 2. The final amount, year 1
- Equity you own (day-1 equity + loan paid off)€9,162
- +Value increase€1,650
- +Your rental account, before tax€0
- =What the property is worth to you before tax€10,812
Part 3. The formula
R = −74.54037782%: Σ Inj_t × (1 + R)^(1 − t) = €10,811.72; minus the final amount €10,811.72 = €0.00 — R is the rate that makes this €0. Each amount is put in at the end of its year t and grows from the next year on, for N − t years (the cash at purchase, year 0, for all N).
Part 4. The result
Total cash put in€35,708
Final amount€10,812
Multiple0.30
Yearly return-74.54%
Part 5. Every year
| Year | Final amount | Yearly return1 |
|---|---|---|
| 1 | €10,812 | -74.54% |
| 2 | €16,782 | -37.31% |
| 3 | €22,914 | -19.35% |
| 4 | €29,215 | -10.08% |
| 5 | €35,690 | -4.78% |
| 6 | €42,344 | -1.52% |
| 7 | €49,182 | 0.61% |
| 8 | €56,211 | 2.05% |
| 9 | €63,436 | 3.06% |
| 10 | €70,865 | 3.79% |
| 11 | €78,502 | 4.32% |
| 12 | €86,356 | 4.72% |
| 13 | €94,433 | 5.02% |
| 14 | €102,740 | 5.24% |
| 15 | €111,284 | 5.42% |
| 16 | €120,074 | 5.55% |
| 17 | €129,116 | 5.65% |
| 18 | €138,420 | 5.72% |
| 19 | €147,993 | 5.78% |
| 20 | €157,844 | 5.82% |
| 21 | €167,983 | 5.84% |
| 22 | €178,430 | 5.86% |
| 23 | €189,308 | 5.87% |
| 24 | €200,634 | 5.88% |
| 25 | €212,421 | 5.88% |